HARTFORD LIFE INSURANCE COMPANY HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY APPLICATION FOR SHORT TERM DISABILITY INCOME BENEFITS This application package is divided into four sections, as follows: Section I Employer s Statement - to be completed by the employer s authorized representative Section II Employee s Statement - to be completed by the employee who is applying for Short Term Disability benefits. Section III Authorization to Obtain Information - to be signed by the employee. Section IV Attending Physician s Statement - to be completed by the physician who is treating the employee. PLEASE SEE THAT ALL SECTIONS ARE FULLY COMPLETED AND SIGNED. FORWARD THE COMPLETED APPLICATION TO YOUR HARTFORD BENEFIT MANAGEMENT SERVICE CENTER. LC-5180-16 Rev 03/01 (Printed in U.S.A.)
APPLICATION FOR SHORT TERM DISABILITY INCOME BENEFITS HARTFORD LIFE INSURANCE COMPANY HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY To Be Completed by the Employer This claim is for (Employee's Name) Social Security Number Date of Birth Section I Employer's Statement Employee's Address (Street, City, State, Zip) A. Information About the Employer Company's Name Group Policy Number Address (Street, City, State, Zip) Name and Address of Division Where Employee Works (if different from above) B. Information About the Employee Date employee was hired Date employee became insured under this plan What was the employee's regularly scheduled work week? Hours per Week Scheduled workdays M - F Other IS EMPLOYEE ENROLLED IN THE HARTFORD'S LONG TERM DISABILITY PLAN? YES NO IF "YES," EFFECTIVE DATE Was the employee's STD insurance issued on the basis of a Personal Health Statement? Yes No If "Yes," attach copy. Was the employee insured under your prior STD policy? Yes No If "Yes," please provide the inclusive date of coverage. From Through Was the employee on Qualifed Family Leave when disability began? Yes No Did STD & LTD insurance continue while on Family Leave? Yes No Date Leave of Absence started under Family Leave Act C. Information Needed for Withholding and Reporting Taxes Based on the employer/employee premium contributions made over the last 3 years, what percentage of the STD % LTD % benefit is considered taxable? (See Section 7 of IRS Publication 15-A for information on determining the taxable percentage.) D. Information About the Claim What was the employee's permanent job on his or her last day at work? (Please attach a copy of the employee's job description.) Last day employee actually worked On that day, did the employee work a full day? Yes No If "No," how many hours were worked? Why did employee stop working? Is the employee's condition work related? Yes No Has a claim been filed with Workers' Compensation? Yes No If "Yes," send initial report of illness or injury or award notice. Date employee is expected/did return to work? Full time? Yes No LC-5180-16 Rev 03/01 (1)
E. Information About Salary Employee's weekly/hourly rate of pay $ Is employee receiving Salary Continuance or Sick Leave? Yes No Weekly Amount $ Date Payments Start Date Payments Will End Will/Is Employee receive(ing) Workers' Compensation Payments? Yes No Weekly Amount $ Date Payments Start Date Payments Will End F. Information About the Physical Aspects of the Employee's Job Check the items below that relate to the employee's job and complete the information requested. Use these definitions for the frequency of occurrence. Not Applicable means the person does not perform this activity. Occasionally means the person does the activity up to 33% of the time. Frequently means the person does the activity 34% to 66% of the time. Continuously means the person does the activity 67% to 100% of the time. Activity Frequency of Occurrence Occasionally Frequently Continuously N/A Standing Walking Sitting Balancing Stooping Kneeling Crouching Crawling Reaching/Working Overhead Keyboard Use/Repetitive Hand Motion Climbing Activity Description Frequency Weight Pushing Pulling Lifting Carrying lbs. lbs. lbs. lbs. Can the job be performed by alternating sitting and standing? Yes No What are the major tasks requiring the use of one or both hands? Indicate the percentage of the employee's workday that is spent on each of these tasks. G. Information About the Job as it Relates to the Disability Can the job be modified to accommodate the disability either temporarily or permanently? Yes No If "Yes," explain. % % % Is it possible to offer the employee assistance in doing the job (e.g., through the use of technology or personal assistance)? If "Yes," explain. Yes No H. Signature Name (Please print or type) Title Signature Date ( ) ( ) Area Code Area Code Telephone Number Fax Number LC-5180-16 Rev 03/01 (2)
APPLICATION FOR GROUP DISABILITY INCOME BENEFITS HARTFORD LIFE INSURANCE COMPANY HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY Section II Employee's Statement To Be Completed by the Employee ( BE SURE TO ANSWER ALL QUESTIONS FAILURE TO DO SO MAY DELAY YOUR CLAIM ) A. Information About You Last name First Middle Initial Social Security Number Address (Street) City State/Province Zip Telephone Number ( ) Area Code Your Employer (include division, if applicable) Date of Birth (Month, Day, Year) Male Single Widowed Female Married Divorced B. For an Injury, answer the following questions When (i.e., date/time), where and how did the injury occur? C. For Illness, Injury or Pregnancy, answer the following questions Date you were first treated by a physician Name of Physician Address of Physician (Month) (Day) (Year) Telephone Number ( ) Before you stopped working, did your condition require you to change your job, or the way you did your job? If "Yes," explain. Yes No What aspect of your condition made you unable to work? Are you receiving or eligible for Workers' Compensation State Disability No Fault Disability Other If "Yes," show policy number and name and address of insurer Weekly Amount $ Date Payments Start Date Payments Will End Is your condition related to your occupation? Yes No If "Yes," explain. Have you filed, or do you intend to file a Workers' Compensation claim? Yes No If "No," explain. D. Information About the Disability Last day you worked before the disability Did you work a full day? Y es No Date you were first unable to work If "No," explain. (Month (Day) (Year) (Month (Day) (Year) Since that date, have you done any work? Yes No If you have not returned to work, do you expect to? If "Yes," please indicate dates worked, name of employer Yes Part time (date) Full time (date) and amount earned. No E. Information About Tax Withholding Federal law requires us to withhold federal income tax from your check if you request us to do so. We are also required to send a report to your employer at the end of each calendar year showing your name, total amount of benefits paid to you, total amount withheld, if any, and your social security number. If you want us to withhold tax, please indicate on the line below the dollar amount to be withheld per benefit check. Whole dollars only (minimum is $20.00 per week): $.00. LC-5180-16 Rev 03/01 (3)
APPLICATION FOR SHORT TERM DISABILITY INCOME BENEFITS F. Signature With the exception of any source(s) of income reported above in Section D of this form, I certify by my signature that I have not and am not eligible to receive any source of income, except for my Hartford Disability Income. Further, I understand that should I receive income of any kind or perform work of any kind during any period The Hartford has approved my disability claim, I must report all details to The Hartford, immediately. If I receive disability benefits greater than those which should have been paid, I understand that I will be required to provide a lump sum repayment to the insurance company. The insurance company has the option to reduce or eliminate future disability payments in order to recover any overpayment balance that is not reimbursed. For residents of all states EXCEPT California, Florida, New Jersey, Colorado, Pennsylvania, Arkansas, New Mexico, Louisiana, Oregon, and Virginia: A person commits a fraudulent insurance act if that person knowingly, and with intent to defraud any insurance company or other person, either: (a) files an application for insurance or statement of claim containing any materially false information, or (b) conceals information concerning any material fact in order to obtain an insurance policy or a benefit under an insurance policy. A fraudulent insurance act is a crime. The Hartford shall pursue prosecution of any fraudulent insurance act to the fullest extent of the law. For residents of Florida: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete or misleading information is guilty of a felony of the third degree. For residents of New Jersey, Arkansas, New Mexico, and Louisiana: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties. Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. For residents of Colorado: It is unlawful to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or its agent who knowingly provides false, incomplete, or misleading information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to an insurance settlement or award shall be reported to the Colorado Division of Insurance. For residents of Pennsylvania: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects a person to criminal and civil penalties. For residents of California: For your protection, California law requires the following to appear on this form: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. The statements contained in this form are true and complete to the best of my knowledge and belief. X X SIGNATURE OF THE EMPLOYEE DATE LC-5180-16 Rev 03/01 (4)
APPLICATION FOR SHORT TERM DISABILITY INCOME BENEFITS Section III Authorization to Obtain and Release Information TO: Any physician, medical practitioner, hospital, pharmacy, clinic or other medical or medically-related facility or provider of medical or dental services or supplies; any employer, group policyholder, contract holder or insurer, benefit plan administrator, Medical Information Bureau, Inc., Health Claims Index, The Index System, business entities, financial institutions, consumer reporting agencies, educational institutions, or any Federal, State or Local Government Agency, including Social Security Administration and Veterans Administration. I authorize you to release and send to: (i) Hartford Fire Insurance Company, Hartford Life Insurance Company, Hartford Life and Accident Insurance Company, and any affiliate of one or more of these three companies, known collectively as The Hartford; or (ii) The Hartford's representatives, a complete copy of any and all of the following information, records or documents relative to Insured's Name (Please print.) (Date of Birth) (Social Security Number) 1. Any and all medical information, including x-ray films, photocopies of medical records, medical histories, physical, mental or diagnostic examinations, and treatment notes. For purposes of this authorization, medical information specifically includes confidential information regarding HIV/AIDS, communicable diseases, alcohol or drug abuse, and mental health, as such information may relate to my claim for benefits. 2. Work information and history, including, but not limited to, job duties, earnings and personnel records, client lists, any and all other work-related information for contractual work performed; information on any insurance coverage and claims filed, including all records and information related to such coverage and claims; credit information, including, but not limited to, credit reports and credit applications; other financial information, e.g., Pension Benefits, bank records; business transactions of any kind or description, including billing, invoices or payment records of any kind; and academic transcripts. 3. Information concerning Social Security benefits, including, but not limited to, monthly benefit amounts, monthly payment amounts, entitlement dates, and information from my Master Beneficiary Record. I further authorize The Hartford or its reinsurers to request a report from the Medical Information Bureau (MIB), which is an association of life insurance companies that operates the Health Claim Index (HCI) on behalf of subscriber insurers. I understand that The Hartford may also send a brief report to HCI. An HCI report includes the dates of claims filed for or by me, claim date of loss and the names of companies to which claims were submitted, but does not contain medical information. Upon receipt of a request from me, MIB will arrange disclosure of any information it may have in my HCI file. If I question the accuracy of information in the file, I may contact MIB and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of MIB, Inc.'s information office is Post Office Box 105, Essex Station, Boston, MA 02112, telephone number (617) 426-3660. I understand that the information obtained by use of the Authorization will be used for the purpose of evaluating and administering a claim for benefits. Any information obtained will not be released by The Hartford to any person or organization EXCEPT to reinsuring companies or their representatives, The Index System, Medical Information Bureau, Health Claim Index, physicians who have treated me, or other persons or organizations performing business or legal services in connection with my Claim, or as may be otherwise lawfully required, or as I may further authorize, or as may be necessary to prevent or to detect the perpetration of a fraud. I know that I may request to receive a copy of this Authorization. This Authorization is given in connection with a claim for benefits. I intend that it be valid for the duration of the claim. A photocopy or facsimile of this authorization shall be valid as the original. Signature of Insured or Guardian Relationship to Insured (if signed by Guardian) Date LC-5180-16 Rev 03/01 (5)
Attending Physician's Statement HISTORY Patient's Name SSN D.O.B. Height Weight Patient's condition is the result of Illness Injury Pregnancy Mental/Nervous Condition If pregnancy, what is the expected date of delivery? Month Day Year LMP Date Is condition due to an illness or an injury that is work related? Yes No DIAGNOSIS Diagnosis (including any complications) ICD9 Codes Subjective Symptoms Physical Findings (list all test results, or enclose test) Test Date Results Test Date Results Blood Pressure (Systolic) (Diastolic) (Date) Remarks: TREATMENT Date of onset of this condition? Has patient been referred to any other physician? Yes No Date(s) Nature of treatment for this condition (including surgery/medications) Date patient ceased work due to this impairment: APPLICATION FOR SHORT TERM DISABILITY INCOME BENEFITS Section IV List all dates of treatment for this condition since patient ceased work If "Yes," name and address Specialty If physical or psychiatric limitations exist, indicate the date limitations have lasted, or will last through: Date of next office visit Was patient hospitalized for this condition? Yes No If "Yes," date(s) admitted date(s) discharged Name and Address of Hospital(s) Was surgery performed? Yes No If "Yes," Date Procedure CPT Code Progress (please check one) Recovered Improved Unchanged Retrogressed IMPAIRMENT What are the patient's current physical limitations and restrictions? No limitation of functional capacity; capable of heavy work, no restrictions. (Lifting 100 lbs. maximum with frequent lifting and/or carrying objects weighing up to 50 lbs.) Medium manual activity Lifting 50 lbs. maximum with frequent lifting and/or carrying of objects weighing up to 25 lbs.) Slight limitation of functional capacity; capable of light work Lifting 20 lbs. maximum with frequent lifting and/or carrying of objects weighing up to 10 lbs. Even though the weight lifted may be only a negligible amount, a job is in this category when it involves sitting most of the time with a degree of pushing and pulling of arm and/or leg controls, or when it requires walking or standing to a significant degree.) Moderate limitation of functional capacity; capable of clerical/administrative (sedentary) activity (Lifting 10 lbs. maximum and occasionally lifting and/or carrying articles. Although a sedentary job is defined as one which involves sitting, a certain amount of walking and standing is often necessary in carrying out job duties.) Severe limitation of functional capacity; incapable of minimal (sedentary) activity What is the psychiatric impairment (if applicable)? Inadequate information to make assessment. Essentially good functioning in all areas. Occupationally and socially effective. Slight difficulty in occupational functioning, but generally functioning well. Has some meaningful interpersonal relationships. Moderate impairment in occupational functioning. Limited in performing some occupational duties. Major impairment in several areas--work, family relations. Avoidant behavior, neglects family, is unable to work. Inability to function in almost all areas. (Month) (Day) (Year) Attending Physician's Name Telephone #: ( ) Fax # ( ) Area Code Area Code SS# or E.I.N. # Degree Specialty Street Address City State Zip Code (Month) (Day ) (Year) Signature Date Signed LC-5180-16 Rev 03/01 (6)
ShortTerm Disability (Fully Insured) Hartford Life Insurance Company Hartford Life and Accident Insurance Company Sample Completed Short Term Disability Claim Form
Employer s Statement 1. Date employee became insured under this plan? This is usually the day following completion of the Eligibility Waiting Period for the group policy. If the employee was a late enrollee, however, the effective date is the date the employee s Personal Health Statement was approved by The Hartford. 2. Information needed for withholding and reporting taxes. This information is important because it determines the amount of taxable wages and/or benefits that should be reported for the employee. The portion of the benefit funded by you is taxable. 3. Last day employee actually worked? This is the actual last day the employee worked, not the date through which earnings or sick pay were continued. 1 2 3
Employer s Statement (Continued) 4. Information about the employee s salary. This information should be based on the policy s specific definition of Weekly Earnings. If you record earnings asan hourly rate, please be sure to include the number of hours worked in a regular week. 4
Employee s Statement 5. Other Income Since the STD benefit rate may be affected by the amount of other income benefits you receive or are eligible to receive, it s important that you complete this section accurately. 5
Employee s Statement (Continued)
The employee completes and signs this section. Authorization to Obtain and Release Information
This statement is to be completed by the physician who is treating the employee. Attending Physician s Statement